Business Coverages

Custom Commercial Insurance Solutions

At AW Welt we offer business insurance coverages to suit the needs of organizations across all market segments, Select a coverage to the left to learn more about how our tailored solutions are a better fit for your company.

Personal Lines

Coverages for Your Home and Everyone Inside

AW Welt personal lines offer financial stability and protection in a risky and ever-changing world. Find a coverage on the left to learn more about how we can help you protect your belongings, and your loved ones.

About Us

Our Background Story

The founding of AW Welt Ambrisco Insurance occurred April 1, 1998 as a result of a merger between AW Insurance Group and Welt, Ambrisco, Winegarden Insurance, Inc. These two agencies enjoy a rich history dating back to 1879 with the S.T. Morrison Agency.

Locations

New Locations

Client Resources

Client Tools Available 24/7

Our clients are our top priority. Looking to file a claim? Review your account information? Get in touch? We're here for you online 24 hours a day, 7 days a week. Can't find what you're looking for? Just email or call and we'll be happy to help.

Companies of all sizes are in the process of making significant changes to their employer-provided healthcare benefits. Concerned about employee retention, the looming Cadillac tax and rising healthcare costs, employers have decided to be proactive now in order to help manage costs later.

Significant Changes to Healthcare

Changes that many businesses have made to their existing plans include:

Alterations that help manage costs

Changes that increase employee participation

Modifications that improve cost sharing strategies

Changes that will improve employee health

Modifications that will meet new healthcare reform requirements

Changes that prepare businesses for the implementation of the Cadillac Tax in 2020

Business will Exceed Excise Tax Threshold by 2018

Half of US businesses are afraid that their current plans leave them vulnerable when the Cadillac Tax is implemented in four years. Approximately 60% of businesses fear that their healthcare costs will exceed the excise tax threshold in two years. Rather than waiting to see if the implementation of the excise tax will be delayed again, companies have decided to start planning for the worst now.

Changes Employers Are Making

Companies of all sizes are preparing for the Cadillac Tax by:

Trying to improve the overall health of the US population with wellness initiatives

Changing the value of their current plan’s design

Making HSA contributions post-tax

In addition, small businesses have also decided to:

Move their employee to a public exchange

Reducing coverages to spouses or part-time employees

Offering minimum essential levels of coverage

If you believe your current employer-provided health care benefits are vulnerable to the Cadillac Tax, you can learn more about your options by clicking here.